CasaGuam Vol. 4 Issue 7

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CONTENTS

Message From GAR Message from the President

Departments 4

Market Report Median House Price Soars to New High

Yigo Executive Home

MLS #11-1559, offered by Today’s Realty

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Feature Green Living Guidelines What does living green really mean?

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Our Environment Head

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From the Experts Use It Or Lose It How Oha Can Help You Buy Your Guam Home

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Profile From the Ground Up Christopher Felix jovially talks about his life “selling dirt.”

July 2011 • Vol. 4 • No. 7 P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com

|Publisher| |Business Sales Manager| Jay-R S. Dominguez

|Display Advertising| Darrell T. Pereda John Mendiola Vince Cruz Doris Pangelinan Emily Untalan

|Traffic/Circulation Manager| Josie Redmond

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How to D.I.Y The Best Gadgets for Home DIY Contractor’s Corner Highlight on: Black Construction

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Who Ya Gonna Call?

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Classifieds

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Closing Guam Association of Realtors® What Matters Most?

|Production Manager| Mark S. Burke

|Graphics & Layout| Mark S. Burke Jon Barnhart Edwin Valencia

|Editorial Contributors| Faye Varias Creative Services Anthony Godwin W. Nicholas Captain Greg Cook Peggy Araullo Llagas Shaina Santos Ryan De Guzman Calvin Hernandez Russell Strider

By Anthony R. Godwin e-pro®, CRS®, ABR®, ASP®, AHWD®, REALTOR®

T

ime is of the essence…

‘So much to do and so little time…’ we have all heard that one before. There are things that need to be accomplished in all real estate transactions...All with time limits or deadlines. For the purpose of this article let's look at a typical item that comes up...inspections. The contract typically has some standard language with a blank for the number of days to be filled in from the date the contract was fully accepted in which to complete the inspections AND to notify the seller whether or not the buyer will proceed with the transaction. Carefully consider the number of days that will be needed. Will the power and water need to be connected before inspections can be done? This will take a few days to accomplish. Consider that time. Consider the schedule of the inspectors. Will the inspector be able to complete the inspection AND provide you with a report in time? It's also important to consider the time you will need to review and approve that report AND report to the seller your decision to proceed with the transaction or not. All of these items should be considered before writing in the number of days for inspections. What happens if the inspections and report to the seller have not been completed in the time allowed and an extension is needed? You may have lost the opportunity to perform this critical task when making a home purchase? You could ask the seller for an extension of the time allowed to inspect—get this in writing. The seller doesn't have to agree to this. The seller could deny the request, approve the request, or negotiate some compensation for granting the request. There are many items in a real estate contract that have associated deadlines. Carefully review the contract and chart your deadlines so nothing is missed. Set realistic deadlines before an offer is submitted. Don't wait ‘til right before a deadline is coming up to request for more time. Planning is an important component of any real estate transaction. Happy hunting! See you next month… Celebrate Family. Seize the day!

CasaGuam is Published by:

GUAM ASSOCIATION OF REALTORS® The Voice for Real Estate on Guam

CasaGuam Advertising Disclaimer All Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text, graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad published herein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuam Magazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.

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Louisa Wessling

727-8400

lmwessling@teleguam.net

MLS#11-186 TALOFOFO - $249K 3br/2.5ba w/Custom features

MLS#11-2321 DEDEDO $235K 3BR/2.5BA This home is a delight and a MUST SEE! Recently renovated and upgraded and in move in condition.

MLS#10-3958 YONA - Windward Hills Golf Course $475K 4br/3ba wonderful features & scenic view

Associate Broker

Trini Sarmiento

christinat@guam.net

triniguam@yahoo.com

687-8340 Associate Broker

MLS#11-1567 YIGO $252K 3br/2.5Ba on 1/2 acre lot. Family room, Living room & kitchen

MLS#10-3245

MLS#10-1736 PITI - LAND $500K 8000sm. Excellent road frontage property with high visibility for any business

Christina Au

888-8626

Associate Broker

DEDEDO - NCS $200K Renovated 5br/3ba. Fully fenced

MLS#10-1969 DEDEDO - $205K 4 bedroom, 1.5 bath on big lot with lots of potential.

TAMUNING - $230K 3br/2ba on 600sm R2 zone lot.

MLS#11-1515 DEDEDO - $220K 3br/2ba Newly painted! Corner lot w/fenced yard appointed w/concrete decorative wood looking table, benches & covered BBQ pit.

4BR/2BA on 1587 sm lot. This home fronts the main road in Ipan, & has a large area untapped in it's rear up a hill

DEDEDO $299K PRICE REDUCED Large 4br/3ba home on 3,000+sm lot. Fully renovated with masterbed suite, jacuzzi and more!

MLS#10-3008 YIGO - $2,300/mo 4br/3.5ba on half acre lot. Separate kitchen with mosaic back slash. 2 car carport. Marbles tiles.

DEDEDO - $450K Brand New 5BR/2.5BA home. All the features you are looking for-spacious, high ceilings, quiet neighborhood.

MLS#10-1954 IPAN TALOFOFO - $295K

MLS#11-1480 TAMUNING - TRIPLEX $439K Investment opportunity! A studio unit, a 3BR,1BA unit & a 4BR,2BA unit.

MLS#11-1296

SINAJANA - $1,700/mo 3BR/3BA. Delightful home with open floor plan.

TAMUNING - LAND $550K 1/2 acre w/ 4br concrete house.

MLS#11-2336 YIGO LAND - $55K This is a fairly large lot (4531sm) for the money, that will support a big family, extended family, farm crops, farm animals and a home or two

Christina’s Deals of the Month! TAMUNING - $1.6M Golden Motel 26 Rooms, Fee simple land improvements, equipment and generator.

TAMUNING - $9,000/mo 2 Storey Comm. Bldg.

YIGO - $360K

Over 30,000 sq ft, fee simple, negotiable Motivated seller.

BRAND NEW 3br/2.5ba fully fenced and gated, double garage, laundry room, custom made kitchen cabinet and corian counter top. Master bath has jacuzzi tub and standing shower. Close to AAFB, 1071 sq M.

Call Christina!

MLS#10-4002

CHALAN PAGO - $235K or Rent $1,300/mo Central location. Cozy 3 bedroom, 2bath home.

888-8626


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Market Repor t

By Nick Captain

Median House Price Soars to New High Increasingly Strict Lending Guidelines Contribute To Decline in House Sales

A

ctivity Update –

Mixed signals dominate the housing sector as the median price of a Guam single family home soared 18 percent from a year earlier to $260,000, pushing the affordability index into increasingly unaffordable levels. The Guam median home price is now 53 percent higher than the national average of $170,000. The median price has doubled during the past decade, “…partially due to market recovery and partially due to a change in product mix”, according to Captain Real Estate Group President Nick Captain. The median price increase occurred as transaction activity has slowed significantly with only 118 units closing during the first quarter of 2011, reflecting the slowest pace in 8 years (except for 113 units sold during peak of financial crisis in Q1 2009). Stricter lending guidelines are one factor contributing to what could be Guam’s first major housing crisis in 20 years as federal regulators have

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proposed rules that will likely boost interest rates and fees on many low-down payment loans. Families looking to enter Guam’s homeownership market have also been recently hit by massive utility connection fees and increasing utility costs, further eroding the ability to pay mortgage costs. As housing costs soar, the inventory of vacant housing becomes an increasingly critical component of projecting future demand. However, while GHURA’s recently completed $350,000 Comprehensive Housing Study estimates vacant housing units at 9,125 (2009), the federal government’s recent free estimate reflects 2,800 units, a difference of over 300 percent. As the number of housing units sold declines, the inventory of unsold units is increasing to unhealthy levels. Based on Q1 2011 sales volume and a Multiple Listing Service capture rate of approximately 40 percent, the inventory of unsold homes on Guam reflects nearly 15 months, compared to just 6 months on Oahu.

Condominium sales volume during the first quarter of 2011 surged to nearly $13 million. This past quarter included 9 units sold at prices above $500,000, as the high-end market continues its recovery from the recent lows in 2009. The condominium sector has been reflecting less volatility due to increasing investor confidence in Guam’s economic future. During the first quarter of 2011, overall quarterly real estate sales volume on Guam exceeded $100 million for only the second time since mid 2008, and quarterly islandwide sales volume reflected 60 percent growth from a year earlier. The sales volume was boosted by the closing of the former Hotel Okura property in Tumon, which sold at a price over $20 million. Future aggregate sales volume figures are likely to be impacted by foreign investment trends, which have been rebounding primarily due to progress on the military build-up. However, the impact of the triple disasters in Japan on Guam’s real estate market remain unclear.


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Home Finance

The VA Guaranteed Home Loan

By Calvin Hernandez

n 1944, the GI Bill was signed into law by President Franklin D. Roosevelt.

I

The result was the creation of a loan program which allows qualified veterans to purchase a home for their own personal occupancy with little to no

down payment. This loan program is commonly known as the VA-Guaranteed Home loan. VA Guaranteed Home loan can be used in numerous ways. VA loans can be used to purchase a home or condominium approved by the VA, build a home, renovate and improve a home, and even refinance an existing mortgage to reduce the interest rate; however, please inquire with your lender as not all programs may be offered. The advantage of a VA loan program is that the U.S. Department of Veterans Affairs will guaranty to cover a percentage of the loan amount. This coverage or guaranty protects lenders from loss in the event the borrower fails to make the mortgage payments. The program encourages the lender to offer VA loans to “eligible� veterans who meet the VA program requirements. The major benefit of the VA guaranty is that it helps the borrowers by replacing the need for a 10 to 20 percent down payment when purchasing a home. To qualify for a VA loan, borrowers will need a Certificate of Eligibility (COE). The VA has several specific eligibility rules, but generally veterans, active duty personnel, reservists/national guard members, and some surviving spouses of veterans may be eligible for the program. Borrowers can visit any VA approved lender to get help obtaining the COE online. Once the COE has been issued, lenders assist by pre-qualifying the borrowers for the VA loan purchase or refinance. For purchases, borrowers can then work with their Realtor and shop for the home that meets their price range. Once they find the home, Realtors can assist with completing a purchase contract. Borrowers can return to their lender, complete the loan application and all the necessary VA Forms. Please note that an important condition of VA loan is that the borrower must occupy the property. VA loans cannot be used to purchase investment units, and borrowers must still meet the income and debt requirements of the VA program.

To learn more about the VA loan visit the following website

"http://www.benefits.va.gov/homeloans/" http://www.benefits.va.gov/homeloans/ or visit Bank of Hawaii and speak to anyone of our loan officers to get you started with a VA purchase or refinance. CasaGuam.com 7


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Feature

Green Living Guidelines

By Greg Cook

Environmentally friendly building and remodeling has gone mainstream, but what does living green really mean?

Good news for you, Kermit: It's not that hard being green anymore. Products claiming greenstatusseemtobepoppingup all over, and support for the concept has almost become a given.Infact,theonlyhardpart now is pinning down exactly what it means to be green.

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Joyce Mason, vice-president of marketing for California's Pardee Homes, has an answer. The company built its first Energy Star home in 1998 and has built 3,000 energy-efficient houses with environmentally friendly materials since 2001. Here's this residential builder's definition of green: • •

• • • •

Minimizes the use of nonrenewable energy, water, and other natural resources. Provides a house with a healthy indoor environment built in a community with a healthy outdoor environment. Uses products that reduce harmful effects on the environment. Controls house size. Designs appropriately for the climate zone. Treats a house as a system of interrelated components.

The company matches products with these principles in four categories: • • • •

Energy smart Earth smart Health smart Water smart

Many products that reduce harmful effects on the environment are on the market now. Often they are simple and inexpensive, offering green benefits whether you're planning to build or remodel. Others are practical only when the cost can be incorporated into a mortgage; this way the upfront cost can be spread over time and made up for in savings on your monthly utility bill. Here's a short list. • • • • • • • • • •

Programmable thermostat Compact fluorescent lighting Adequate insulation and home sealing Energy Star appliances Energy-saving home electronics Solar water heater Tankless water heater Energy-efficient windows and doors High-efficiency cooling Photovoltaic solar cells CasaGuam.com 9


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Minimizing the use of nonrenewable resources usually involves the intentional selection of alternative materials in building and remodeling. This is partly behind the upsurge in the popularity of bamboo flooring, for example. Such products have to be attractive, durable, and reasonably priced to attract attention — and many companies are working to provide these products. Here are some other examples. •

Engineered structural wood products are manufactured from fast-growing trees and recycled woodchips, thus helping to safeguard old-growth forests. Rapidly renewing wood flooring also protects old-growth forests. Examples include lyptus (a fast-growing eucalyptus that looks like cherry or mahogany), cork, and bamboo. Recycled content carpet, commonly known as "pop bottle carpet," uses plastic and recovered textiles and is more resilient and colorfast than conventional carpet. Cellulose attic insulation is made from recycled newspaper and sprayed in for superior sealing.

One common concern for parents in recent years has been the effect of dust and residue from lead in paint. Evidence of how important these home health issues has become is that disclosures are now typicallyrequired as part of any residential real estate transaction. Creating and maintaining a healthy home environment is obviously important for anyone with allergies or heightened sensitivity to noxious odors or pollutants. But today's consumers are becoming more attuned to these issues regardless of special needs, and that's a good thing for everyone. Consider these highly effective product solutions for a healthy home. • • • • •

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Low- or no-VOC (volatile organic compounds) paints Central dehumidification to reduce mold and mildew Central air purification and ventilation systems Central-vacuum system Flooring that doesn't harbor dust


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The main water issues in the home are purification and conservation. Great strides have been made in both areas in recent years. One of the more interesting advances is permeable pavement, which is especially effective at helping filter chemicals that leak from cars parked in the driveway. Here are more examples. •

Xeriscaping challenges the assumption that grass should always be the dominant design element of a yard and lets the climate determine what makes the most sense. Water-efficient appliances such as front-loading washing machines have attracted great consumer interest, and low-flow showerheads and toilets have been mandated by law. Water purification devices that use carbon to remove contaminants and reverse osmosis systems are effective in the home. Permeable pavement lets rainwater seep through, which reduces runoff and allows the soil underneath to act as a natural filter

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Our Environment

Now We’re Cooking With Gas!

By GRESCO

hat do a stove, dryer and water heater have in common? That’s simple, they all produce heat and they all use a whole lot of power. Another thing that these appliances have in common is that they are available in electric AND gas Many homeowners are now looking at ways of reducing their utility bills and going a little greener. By converting to a gas appliance, not only are you saving on your monthly power bill, but you are not contributing to the carbon emissions given off and put into our environment that contributes to pollution and increasing your carbon footprint. LP (liquefied petroleum) Gas is a clean burning fuel that can be used for cooking, heating and now in some vehicles. Most homeowners are concerned about safety of having a tank filled with gas, but with proper care and the right servicing, having a gas tank at home is just as safe. There are so many advantages when using gas appliances over electric.

W

GAS Stoves vs Electric Many consumers argue that electric stoves upfront cost are less expensive than a gas stove. This is true, but usually no less than around $50. However, the long term cost of a gas stove is cheaper than that of an electric stove. Also, temperature control on a gas stove is a lot more convenient when cooking that awesome dinner for your friends and family. Almost all restaurants use gas stoves and appliances when cooking to provide customers with quality, great tasting meals. Gas stoves are usually equipped with sealed

burners which minimize the mess if something spills on the cook top. On the other hand, stoves with electric coil burner generally have detachable drip pans, but they can need frequent cleaning and can become dull and dirty with use. With people learning more and more about LP Gas and cooking, the market is seeing a lot more appliances out there such as gas BBQ grills and portable gas burners.

Gas Heaters and Dryers Just like stoves, the upfront price an these appliances are a little higher than the electric. However, these appliances require just a little amount of gas to produce the same amount of heat as the electrical ones. It also uses almost half the amount of time. Because these appliances use less energy, this will save you on your monthly electrical bill. Many consumers are now making the switch from electric to gas in efforts to save a little more on their energy bills and live a little greener. Save money and help save our environment. Stop by GRESCO Yigo or Mangilao for more information or call 653-4887 or 734-4886–8.

GRESCO POWER YOUR LIFE

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Chalan Pago $900/mo Mangilao $365K Latte Heights Mangilao – Beautiful and spacious 4bd/2.5bath home tucked away in a central location.

MLS# 11-2429

MLS# 11-2445

Gina Campos 687-8885 Assoicate Broker

gcampos@remaxguam.com

A first floor unit - oh, to have a backyard! Each bedroom with its own bathroom? WOW! An exceptionally spacious 2 bedroom in a condo complex that boasts of good management, a pool, convenience store, and a laundromat. All this just 3 minutes from Hagatna &UOG

Agat $175K

Tamuning 850K or $6,000/mo

482-5263

This 3 bedroom 2 bath house down south in Agat near the marina could be your home sweet home. The house was fully renovated in the year 2010

Executive home with everything you need! Fully fenced landscape yard, pool, generator and sauna.

Yogita “Payal” Hemlani REALTOR®

phemlani@remaxguam.com

MLS# 11-2425

MLS# 11-1259

Yigo $1,900/mo Dededo $1,582,713 MLS# 11-2341

Tumon $2,450/mo Nice large 4bd home with 3 bath, and spacious family rm in desirable Tumon Hts. area! Large landscaped yard with fencing all around and gate. Owner in process of finishing tile floors. Extra large storage rm on left side of house. Military approved

Prime commercial land near South Finegayan housing area! One of seven lots (4 acres each) for sale. All lots to be sold at same time. Owners are negotiable. Buyer to verify all info.

MLS# 11-1929

Mangilao $1,900/mo

Irene Cruz

Nice updgraded 3bd, 2 bath home with office/den area in Latte Hts. Open floor plan, high ceilings, family rm, covered patio and partially fenced landscaped yard. Call your favorite Realtor to see!

797-2109 REALTOR

®

icruz@remaxguam.com

MLS# 11-1618

MANGILAO $120K

688-6989 REALTOR®

pfeore@remaxguam.com

727-6902 REALTOR

®

cblas@remaxguam.com

MLS# 11-1929

Developer’s special! Across golf course and just minutes from downtown. Fast growing area with many attractive homes in neighborhood.

MLS# 11-1645

Barrigada $399K

Ordot-Chalan Pago $329K

Brand New 3 bedroom 2 bathroom plus an office/den. Spectacular neighborhood/city view and convenient location

This BRAND NEW two story house is conveniently located centrally and features granite kitchen counter tops, high ceilings, large floor tiles, and an extra large master bedroom.

MLS# 11-2125

MLS# 11-2135

Perez Acres $225K & $205K

Patricia Feore

Coleen Blas

This 3 bedroom 2 bathroom house is conveniently located just outside the front gate to Andersen Airforce Base. House is situated on a half acre of land perfect for entertaining family and friends. Yard maintenance, water, and generator INCLUDED.

Income-producing. Popular with military tenants. MUST SELL – Owner leaving island for medical reasons. MLS # 11-1861 and MLS# 11-1606

MLS# 11-1605

YIGO $375K TWO for the price of ONE! What a deal! Acre lot with dual access, a huge main house, Quonset storage, and a self-contained residential extension.

MLS# 11-1861

Sinajana $349K

MLS# 11-187

Tri-level 4BR/3BA home, Tamuning great family home for a $228K growing family. The home 3Br/2BA: You can call this was extended and renovated home, nicely renovated with over the years and shows ex- granite counter tops, and ceptionally well. stainless steel appliances.

Dededo $170K 4BR/1BA: Owner wants this SOLD - make an offer! To be sold in ''As Is'' condition.

Split level condo READY FOR YOU TO MOVE IN!

MLS# 11-2329

Liz Duenas

687-0911 Assoicate Broker

lduenas@remaxguam.com

MLS# 11-2349

Umatac $2,400/mo Alupang Cove Condo $1,900/mo Beachfront with Ocean view from living, dining and bedroom. In excellent condition. 1 bedroom.

MLS# 11-551

Patricia Feore 688-6989 REALTOR®

SINAJANA $1900/mo Custom-designed house on the hills of Sinajana with commanding views. Just 3 minutes from Hagatna.

pfeore@remaxguam.com

MLS# 11-755

Joylyn MunozAnderson

alk about gorgeous view! Have the Bay at your back yard. Enjoy this 4 bedroom 2 Bath renovated home in southern Guam. House has approximately 1700 sf of living space. This is opportunity will not last. Price Negotiable

MLS# 11-1353

Barrigada $1,500/mo

488-5069 REALTOR®

jmunoz@remaxguam.com

MLS# 11-675

Centrally located 3 bed 2 bath house for rent! House has 1500 sf of living space and great size yard for kids to run around. Section 8 ok with security deposit and good references.


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Barrigada $1,292/mo Commercial space on 2nd floor fronting route 8 Barrigada great exposure. Unit comes with its own bathroom. Building also for sale MLS #11-1653. Call for more details.

Yona $900/mo 2 bedroom / 1 bath home in Yona ready for you to move right in.

MLS# 11-1666

MLS# 11-2405

Barrigada $299,790

MLS# 11-462

3bd/2ba 1,757sf living on flag lot Barrigada Village, master walk-in-closet, high pitched roof, foyer entry, solid wood kitchen cabinets, granite counter tops, inside laundry room, porcelain floor tiles, 2 car carport, lots of storage space.

Vanessa Cabe 688-1210 REALTOR®

vcabe@remaxguam.com

Shawn Blas

888-3221 REALTOR®

Talofofo $1,900/mo

sblas@remaxguam.com

MLS# 11-2250

Renovated 3 bed/2bath house inTalofofo. This home is 'PERFECT' for you. Call to turn this house into your HOME!!

Mangilao SFd for lease - $2500 Agat $150K MLS# 11-238

Mangilao $1,500/mo Fronting Rt15 2nd floor office space available. Two seperate office room, one full bath with kitchen.

Commercial Building for sale (Leasehold). Building includes Yoon's Laundromat (First Floor), Two 2 bedroom / 1 bath units (Second Floor).

MLS# 11-904

Mangilao 2.2M

Ki Myong Song

Great Location Fronting Rt 15. 2 Story Commercial Bldg With Lots Of Potential.

929-5398 REALTOR®

Unique 2250sf,1200sm, cnr Rt 15 & Rt 10.Central to AAFB & Big Navy. 4Bdrm 3baths, Full master w/jacuzzi, shower, private commode, walk through closet; comfortable back porch w/sink, accordion shutters, semi enclosed 2 car carport, indoor laundry. high ceilings, walk in pantry, commercial 6 burner gas st, etc.

ksong@remaxguam.com

Land for Sale - Yona Pulantat 2526sm, ready to build, nice family area, pwr/wtr nrby $65k - Santa Rita Vlg 1200+/sm, Slope w/Oceanview great for split level paradise home, pwr, wtr, sewer acces $70k

Santa Rita SFD for lease $2200 3bdrm 3bath.

Jackie Perez

777-4289 REALTOR®

jperez@remaxguam.com

MLS# 11-2062

Sinajana $1,700/mo MLS# 11-2380

Dededo 249K Charming country side home for sale. Very peaceful and private 3 BR 2BA on over an acre property, fenced, gated and secure. In addition, this home has been upgraded and set up to be very energy efficient.

Spacious 2BR home centrally located in Sinajana, conveniently minutes to Hagatna and Naval Hospital. Call your REALTOR® and schedule an appt to see this house.

Dededo $825/mo

MLS# 11-2256

Dededo $1,700/mo Great Open floor plan, with upgraded Kitchen with Granite counter tops. Fenced and gated for privacy. Ready to show.

Jodee Duenas 727-5633 REALTOR®

jodeeduenas@remaxguam.com

For more information and pictures go to www.showmeguam.com

MLS# 11-1371

Commercial Space includes utilities. Perfect for 2 person office, consultant, accountant, etc. Assigned parking and night security.

MLS# 11-1199

Dededo $210K

Las Palmas Phase I $1,900/mo Great complex with family friendly environment. 3 bd & 2.5 ba. 2 units available for $1900 each. Clean and ready for you. MLS11-87 and 10-301

MLS# 11-1771

Better than new 3 bd 2 ba House in Ironwood Estates. Nice neighbors in a secured development.

Deanna Palmer

688-2855 REALTOR®

dpalmer@remaxguam.com

MLS# 11-1771

Mangilao $2,200/mo for lease Latte Hts Cul-de-Sac, 4 bd/2 ba home with fenced back yard, All Ceramic Tile, Wood blinds and updated Kitchen.

Piti $550/mo Affordable 1BR unit in Piti....Live simple by the beach!

727-5633 Assoicate Broker

MLS# 11-2393

MLS# 11-44

Jodee Duenas

Deanna Palmer

Tumon $2,200/mo

Tastefully upgraded and jodeeduenas@remaxguam.com fully furnished condo in Tumon for lease. 2nd floor unit, with partial oceanviews from the livingroom. Enjoy convenient walks to the beach, restaurants and shopping.

688-2855 REALTOR®

dpalmer@remaxguam.com

MLS# 11-2262

Tumon $2,450/mo for lease Enjoy Living In Tumon from this 4th floor secure Condo. 3 bd 2 ba with all ceramic tile, pool, and back up generator.

MLS# 11-2129


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From the Experts

By Ryan J. De Guzman

Use It Or Lose It How OHA Can Help You Buy Your Guam Home Ryan De Guzman is a REALTOR® with Century 21 - Commonwealth Realty He can be contacted at 797-2721 f you are an active duty U.S. military member stationed here on the beautiful island of Guam you should find a good real estate agent to help you buy a home, especially if you are living on base or renting off base right now. Unless you have a home of your own already, you would be crazy not to. The “American Dream” is well within your reach and here’s just one incredible reason why: 1) The Federal Government will fund it for you. All you need is authorization and approval to live off base, good credit for a VA Loan, a little bit of money in the bank, maybe not even that and a skillful and reliable Realtor®, one you can truly trust, one who understands the local market really well and one experienced enough to make it happen for you! OHA (Overseas Housing Allowance) is the formula for housing allowance used by the federal government for active duty military members stationed on Guam. Understanding this system can work toward your advantage when you decide to purchase your own home. In the U.S. mainland the formula for housing allowance commonly used is called BHA (Basic Housing Allowance). Please let me explain the difference between the two. BHA allows you to pocket the difference between how much you are allowed and how much you actually pay for rent. Here is a simple example of how this works: In Norfolk, Virginia BHA for an active duty military member ranked E-5 with dependents is $1,500.00 per month. If the member can find a suitable place for them and their household for a lesser amount, say $1,200.00, the member may keep the rest ($300) as earned income. In Guam the OHA formula is used and you must use it or you will lose it. Here is another example of how this works: An active duty military member ranked E-3 without any dependents decides to move off base and is given authorization by their command. The member qualifies for up to $1,918.80 per month. The member is instructed to contact a REALTOR® to help them find a suitable place. Regardless,

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16 CasaGuam July 2011

if they are able to find a unit for a lesser amount, say $1,500.00, they cannot pocket the rest. They will only receive the agreed upon rent according to the lease agreement, not to exceed their maximum allowance for rank and family members. Now if the rent is more than their maximum allowance, which can happen, the additional cost would have to come out of pocket in order for it to be accepted, approved and processed through the Military Housing Office. You see the difference? Hundreds of thousands of federal dollars are available and being spent on Guam every year for active duty military members who qualify for OHA and decide to move off base. Use it or lose it! Use it to help make your “American Dream” of home ownership a reality or lose it and continue renting or living comfortably within the confines of the military fence. The choice is yours. I encourage you to connect with your local GAR (Guam Association of Realtors®) Real Estate Agent right away to explore your options today.


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Profile

By Shaina Santos

From the Ground Up Christopher Felix jovially talks about his life “selling dirt.”

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Christopher Felix, president and principal broker at Century 21, Realty Management says he didn’t start off wanting to be in real estate. He actually went to school for medicine. Felix recalled, “I met a couple guys from Guam (while attending school in

Los Angeles). You know, being from Hawaii and them from Guam, us island boys got together. They kept telling me why they'd never come back to Guam.” Felix explained that during that time, many people sought either education away from Guam or military careers. “I didn't know what to do with my life. So I flew to Guam looking for a job. I've been selling dirt ever since.” Felix began his career selling real estate for a small company before the Calvo family hired him in the mid 70's at Calvo Management. In February 1983, Felix bought Calvo Management and renamed it Realty Management, which expanded to include the management, development, brokerage, and finance of real estate. In December 1985, he bought into the Century 21 franchise. Today, Felix carries three specialized designations given by the National Association of Realtors. He is a Certified Property Manager, Certified International Property Specialist, and a Certified Commercial Investment Member. On Guam, he is the only one who holds designations as a CPM and CCIM. “To carry all three of these is very rare even in the states,” Felix said. “It’s very hard to get these designations and keep up with what's happening in the states and the professionalism of real estate. Continuing education has been the hardest thing to keep up with. It's very easy to get complacent. Up until recently it's been very difficult. Now with the Internet, you can do things online.”

Christopher Felix

Felix says that some of the misconceptions people carry about real estate are that some buyers and sellers think they can do it themselves. He argues that

President and Principal Broker, Century 21, Realty Management

many don't know if they're buying or selling property for its actual worth, thus the need for real estate agents. “In the past, real estate agents have had a bad reputation. And that's just not true (today). The real estate people I deal with

Positions:

Chairperson: 2005 & 2006, Professional Standards Committee, Guam Association of REALTORS®; 2007, Military Affairs Committee, Guam Association of REALTORS®

Family:

Wife: Rosario, works in the office. Corporate Treasurer. “She owns everything.” Daughters:Mary, Dominique, & Amanda

Motto:

“We bring people and places together.”

Hobbies:

Fishing, raising his family, active church member, Guam Chamber of Commerce member

here on Guam are all professional. You may not be happy at the end of the deal, but we do everything we can.” Felix recalled that when he was purchasing propagent. Though a professional, he readily admitted that he didn't know the market in the area, and without the help of an agent, he would have chosen what ended up being the worst option. Felix says that his future goals include helping Guam get most out of the military buildup. “I've been here forty years — Guam is my home.” Felix says that working with the military means a lot for Guam's economy. “That means give, too. Not just take. Working together you can get a lot done.”

I didn't know what to do with my life. So I flew to Guam looking for a job. I've been selling dirt ever since.

18 CasaGuam July 2011

erty for his daughter who is attending school off-island, he needed a real estate


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All About Tile & Grout ile and grout is fast becoming the material of choice people make to enhance the look of their floors and their home. Many people choose to install tile and grout in their kitchens, bathrooms, and hallways. It looks much better than the typical linoleum floor. There are so many choices of tile that you can choose from to accomplish just about any “look” that you’re trying to achieve. However, just about everyday we come across many people who are very frustrated with this investment. It seems after a couple of years the floor becomes more and more difficult to keep clean. The tile loses its luster and the grout becomes filthy. Even though they spent hours, maybe even days, on their hands and knees trying to keep it clean. Unfortunately, most floors are not sealed after it is installed. This is the root of the problem. You see, grout is like a sponge. It will absorb grease and dirt very quickly when it is not properly sealed. This creates a breeding ground for bacteria to grow and bloom. When it gets to the point where they think nothing can be done, they start to consider replacing their floors. Another very sizable investment. Does this sound like you? Well, there is light at the end of the tunnel! Most tile & grout can be restored to “like new” condition; or very close to it. This starts with having a professional floor cleaning company coming to your home or business and providing a thorough inspection and giving you a FREE Demonstration of their service. This way you will know what to expect from a professional restoration. We will cover what is involved with restoring and maintaining your floors.

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Cleaning and Restoration Most floors over one year old will need to be restored to bring it back to its natural beauty. If the floor was properly sealed when it wast installed, restoration probably won’t be needed. Restoring tile and grout requires a few steps. First we will degrease the floor to remove as much oils, dirt, and grease as possible. Next, we restore the grout with a special grout line restoration product. This will help remove most if not all surface staining. This process also “opens” the grout for proper sealing. When doing these two steps, mechanical agitation, strong rinsing and vacuum equipment is required. After the cleaning and restoration, the sealing will begin.

Sealing Two basic types of sealers are clear or color seal. A clear sealer is used on most grout when you want to keep that same color. The sealer is liberally supplied and worked into the grout lines. It is important to choose a high quality impregnating sealer. Cheap silicone sealers do not last very long. After sealing it is important to maintain the floor using the right cleaning agents and tools. You should not use harsh chemicals as this will only damage the sealer and grout.

Color Sealing If you are not happy with the way your grout looks after a restoration cleaning, you can change the color of the grout without regrouting. Instead of a clear seal you choose a color of your liking. This process gives your grout a “Brand New” appearance. It gives the floor a whole new look. This process makes the grout lines resistant to staining. Once again it is important to maintain the floors properly following this process.

Maintenance Once the floor is restored and sealed, maintain the floors with a professional cleaning every couple of months. This will keep your floors looking new forever. The sealer will last longer and no more scrubbing grout lines again. Interim maintenance should be done with our pH neutral cleaner. CasaGuam.com 19


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H o w To D . I . Y.

î‚Še Best Gadgets for Home DIY By Russell Strider

The term home DIY can strike fear into even the bravest of people, as tales of DIY disasters, injuries and repair bills can put people off doing any basic home improvements themselves. ut it needn't be this way, and with a little knowledge and training, there is no limit to the small jobs that any homeowner can do around the house. So with that in mind, here is a brief introduction to some of the most popular and most useful tools for the home.

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The Hammer One of the most instantly recognisable tools in the tool box, hammers come in all shapes and sizes and have even been the inspiration for plastic children's toys. Primarily used for securing or ‘hammering' nails into planks of wood or other materials, hammers must be used carefully, so you don't accidentally hurt yourself or someone else whilst using one.

The Saw Another familiar site in many toolboxes or sheds, the saw is used for ‘sawing' or cutting up pieces of wood. There are many different types of saws available from the standard crosscut saw, which is the one most commonly used in DIY to the circular saw, a mechanically powered saw more suited for use in an industrial setting for cutting much tougher types of wood, such as logs and even beams. Very sharp and often hard work for a beginner, a saw must be used responsibly in order to prevent injury.

Read more: http://www.articlesbase.com/home-and-family-articles/the-bestgadgets-for-home-diy-4519496.html#ixzz1Q4erZVuo Under Creative Commons License: Attribution No Derivatives

20 CasaGuam July 2011

The Air Compressor Don't be put off by the slightly unnerving name, an air compressor is a tool that many people are likely to have come into contact with in various forms throughout the years. One of the best known types of air compressor is the one you see at petrol stations, which is for filling car and bike tyres. An electric or gas powered air compressor is also used a lot during renovation and home improvements as they are a reliable source of power for several pneumatic tools such as sanders, hack saws, paint guns and airbrushes.

The Pressure Washer As with the air compressor, pressure washers are often found at petrol stations, because they are used for washing cars, in fact they are used for cleaning a number of things, such as buildings, pavements and road surfaces. Named pressure washer because they produce water at a high-pressure in order to remove stubborn dirt, mould, dust and associated grime from surfaces, they consist of a water pump, a high pressure hose and water pistol type switch for controlling the flow of water. Readily available from building suppliers, it's best to look into renting a pressure washer if it's just being used for one job, so don't splash out on one until you know exactly what it's going to be used for. So that was just four tools that you may or may not come into contact with whilst you undertake some home improvements, but no matter what you do make sure you always think safety first, and wear the appropriate safety equipment when using any tools.


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CONTRACTOR’S CORNER

Highlight on: Black Construction Corporation (BCC)

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Black Construction Corporation (BCC) has a proud reputation as the most experienced and largest construction company in the Western Pacific. Throughout Guam, the CNMI, Micronesia and the Philippines, BCC has a successful history of construction projects which encompass multi-discipline and project management requirements in civil, structural, architectural, mechanical and electrical engineering. This long and proven history has provided Black with invaluable knowledge and a reputation of an unwavering commitment to project safety, quality product of the highest standards through its excellence in estimating, engineering, scheduling and construction expertise.

About Black Construction To appreciate the company's fine performance record it is essential to understand the rigors of construction in this part of the world. The climatic environment is extraordinarily demanding on equipment, materials and people. The logistics of each project require detailed planning, as all products, with the exception of certain rock materials, have to be imported. Black's success lies in its self-sufficiency. The company has developed a

diversity and flexibility, a keen ability to manage and resource every aspect of a project “in-house” from earthworks to advanced telecommunication installations. This depth of experience, project management expertise, and available resources enhances our ability to complete projects on schedule and within budget. The increasing number of new clients as well as an increased volume of repeat business from satisfied customers further enhances our reputation. Thereby earning the Black companies the slogan, “On track with Black.” BCC is a sister company of Black Micro Corporation (BMC) together with E.E. Black Co., Ltd. located in Manila. The management and operations of the three companies are headquartered in the Guam facilities. The Group is owned by Tutor Perini Corporation. With more than 50 years in major construction and engineering jobs and over $5 billion in completed projects, Tutor-Saliba stands among the country's largest general contractors. Black is in a unique position to offer its clients a superior local contracting capability throughout Guam, Philippines, Northern Marianas, Federated States of Micronesia, and the Republics of Palau and the Marshall Islands. It can also harness the international engineering experience and resources of E. E. Black, Ltd. and Tutor Perini Corporation when required.

22 CasaGuam July 2011


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Quality Products

Excellent Projects Every great project starts with a solid foundation, because so much depends on it. As proven by the North Tipalao Homes, Watts Constructors, LLC ensures that every job attests to its strength in service and personnel. The concrete materials used for this site were supplied by Hawaiian Rock Products. Whether your project is big or small, Hawaiian Rock Products will tackle it with unparalleled efficiency while using the largest fleet of equipment and an expert workforce. That’s why we’re the leader in General Construction Supplies. All of our products are produced in strict compliance with local, federal and ASTM standards. Hawaiian Rock Products supplying quality products and services to the island for over 50 years.

Building The Marianas Since 1958 1402 Route 15, Mangilao, Guam 96913 Tel: (671) 734-2971/8 • Fax: (671) 734-0990 www.hawaiianrock.com

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MARKETPLACE

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Who Ya Gonna Call

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Classifieds Commercial Rentals Dededo 106 East Sta. Barbara, Dededo 4bed/1 ba corner house, fenced, and gated. Centrally located close to church, school and malls. Asking $1,200/month. Call MYRNA @ 488-0144

Ordot-Chalan Pago Commercial space for rent. Approx 2155 sq ft. Ideal for laundromat, bakeshop, video store or retail business. Asking $2,500/mo. Please call ANGIE @ 727-2228

Tamuning Commercial Spaces 500 sq ft ~ 2400 sq ft. Asking $1.15/sqft + common area. Please call 637-7165 / 688-0887 / 689-7900

ing: $1,900.00/mo. Call FRANK @ 4794663

Barrigada

Tumon

2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333

Fountain Plaza for Rent: Finally prime commercial space in the much desired Fountain Plaza. Own your very own business amongst the likes of many long time established busibesses already patroning this plaza. Where can you go wrong, San Vitores road frontage with ample space, there are no lossers and YOU are the winner. Asking $2,700/mo. Please call DANIEL @ 687-5422

Dededo 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 727-6456 Great spacious house located near Paradise Estates. 5bd/3bth. Section 8 okay with full security deposit. Call 646-9870/1

Call Nick @ 689-2939. Tumon – Dai-Ichi Condo – 3b/1b, 3rd floor. $1,300/mo. Section 8 OK. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 Tumon Heights Court - 3BR/2BA Excellent Condition, Pool. $1,650.00 Call 637-7165 / 688-0887 / 689-7900 Tecio Tumon Villa: Nice two bedroom two bath condo located in Tumon. Condo is just a walking distance to the beach, stores, restaurants and nightlife. Asking $2,100/month. Call VIC @483-7518 Tumon 2bd / 2 ba + Den. excellent condition. Asking $1200. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042

Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228

Residential Rentals Agat

Dededo Villa Rosario - Spacious 3BR/2BA W/D, Pool, Security, Mailbox $1,650.00

Tamuning

3 bedroom / 2 ba house, close to schools, stores, beach and church. Asking $1250.00. Call 649-8265 or 888-7447

3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200

Tumon Holiday Manor ; 4 bedroom, beatifully furnished with pool and BBQ area, near beaches. Asking $3,800/month. Call VICKI for a showing @ 687-3558

Asan

Hagåtña

Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking: $2,200.00/mo. Call FRANK @ 479-4663

Hagatna large 2 bedroom 2 bathroom condo excellent condition $1,000 mo.

Happy Landing Road, Tumon 3bd, 2ba, Condo : Enjoy your island paradise in this 2nd floor unit within walking distance of Tumon Beaches. Complex has a pool and the unit is all ceramic tile, central a/c and accordion typhoon shutters. Asking $1,900/month. Call DEANNA @ 688-2855 MLS 10-133

Tamuning Oka Plaza – 810sf - $648 / 907sf - $816.30 / 1st flr. 907sf - $1,360 Call 637-7165 / 688-0887 / 689-7900 Rocky Business Center Well Maintained Building w/ Elevator. 1000sf -$1,200/ 1,172.56sf - $1,407 / 2400sf - $2,800 Call 637-7165 / 688-0887 / 689-7900

Call 637-7165 / 688-0887 / 689-7900 Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Ask-

Latte Heights Spacious 4 BR/2BA home in central location. Gated and fully fenced with indoor laundry and outside entertainment area for parties. Asking:$1900/mo. Call Roma@988-9587.

Mongmong-Toto-Maite Nice Large - 2BR/1BA in Maite near Shop 4 Less $800.00 Call 637-7165 / 688-0887 / 689-7900

Tumon Penthouse for Lease: A Rare Penthouse, Oceanview unit is now available. This large 2 bedroom 2.5 bath Condo was upgraded and is in like new condition. Security, Full Back-up Generator, Pool, 2 parking all go along with your desire for the ''good life'' while on Guam. Water included. You CAN have the dream. Asking $3,800/month. Call DEANNA @ 688-2855 MLS 10-744

Mangilao Nice house on a cul-de-sac street in Latte Hts. 4 bedrooms, 2 baths with all ceramic tiles and split a/c units per room. Newer kitchen counters and appliances. Fenced back yard. Has always been leased to military personnel for their tour on Guam. Asking $2,100 / month. Call DEANNA @ 688-2855

Piti

San Vitores Terrace Condo: 3bd/2ba, 3rd floor unit with oceanview, upgraded unit with new carpets, pool, security and basic cable TV. $1800. Call Coral Sea Realty 649-6088 Upper Tumon Horizon Town House 3BR/2BA Plus 2 Balcony. Must See.. Unit Security Gate Call 637-7165 / 688-0887 / 689-7900

Yigo 2br/1ba apt close to Port Authority of Guam , NavSta, Polaris, store, church, park and beach! Ocean Breeze Apartments $600. Call 649-8265 or 888-7447

Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006

Tamuning Popular Pia Marine 2 bedroom 2 bath units available for Month to Month Rentals. Utilities/Furnitures included with cleaning services. $2400.00. 26 CasaGuam July 2011

Perez Acres: 3 bedroom / 1.5 ba townhouse with extra room great for family room or office, gated and secured community, pool, mail delivery. Asking $1900 . Call CORAL SEA REALTY 649-6088


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Classifieds Residential Sales

msg at 727-6456.

$200,000. Please call ANGIE @ 727-2228

Agana Heights

Las Palmas Phase I Great 3bd / 2.5 ba Townhouse style condo. Great for first time home buyer or investor. Complex includes Pool, playground, BBQ cabanas and night security. Asking $195,000. Please call DEANNA 688-2855

Mongmong-Toto-Maite

Cliff Condo 2BR 2BA Lease Reduced $47,900 Call 637-7165 / 688-0887 / 689-7900

Barrigada Opportunity Knocking.... Buy the home you deserve! Newly renovated 4BR/2BA home with a snazzy kitchen, fenced and waiting for YOU to move now! Asking $445,000. Call DEANNA @ 688-2855 4BR 2BA Near Happy Market 1800SF Only $243,900 637-7165 / 688-0887 / 689-7900 Large 4BR/2BA Renovated House 1800sf $1,900.00 Rent Call 637-7165 / 688-0887 / 689-7900

Dededo DEDEDO Multi-Family House located in front of Dededo Park, Library and Julyor's Office. Lots of nearby schools, markets and churches. Income Property with fully occupied and screened Tenants. Property located in a corner lot with fence. This is a wise choice of investment property. For sale by owner. Call now and lv

Pacific Garden, Dededo – Large 1BR/1BA 1st Floor. Only $55,000 Call 637-7165 / 688-0887 / 689-7900 A nice 3bed/2ba house completely renovated in 2008 with ceramic tiles, french windows and security grills, waiting to be your home. Located in a quiet neighborhood that's perfect for raising a family. Priced to sell at $169,000. Call MYRNA @ 488-0144

Inarajan 2 bedroom / 2 bath on a living area of 800 sf and 5,526 Âą sm lot. Fixer upper home on a beautiful beach front property, over an acre in size. There is already Power&Water if you would like to rebuild. Asking for $628,054. Call DEANNA @ 688-2855

Mangilao Latte Heights House with 3 bed / 2 ba, ideal location with carport, fully fenced, gated, spacious yard with patio. Asking

Exceptional 3bd and 3.5 ba home waiting for that special family to fall in love with. Enjoy the view, separate refrigeration and stove for the person who enjoys cooking, the pool and the great central location. Asking $630k Call JUDY @482-7775

Ordot-Chalan Pago Quiet, Private, and centrally located 4 bedroom 3 bath house on a 1/2 acre lot. this would be great if you enjoy your privacy and appreciate being close to shopping malls, grocery stores, and schools. Asking $315,000. Call JOYLYN @ 4885069 for a showing. MLS 10-2077 Apusento Gardens Condo : Great price with seller financing. Just like you pay monthly rental, without bank fees. Downpayment is required. Asking $105k. Call JAMES @482-0498

Private and secluded Tamuning 3bed/1ba house with partial ocean and city view. Recently painted and upgraded with ceramic tiles, french windows and accordion typhoon shutters. Fenced and gated, and comes with 4 split A/Cs'. Asking only for $229K. Call MYRNA @ 488-0144 TAMUNING Executive 2 Storey Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and GPO. Great lifestyle and community environment with 5 bd/3ba corner lot; nice sized bd on 1st and 2nd flr; luxurious master suite w/ jacuzzi spa tub; quality granite staircases; hardwood railings; crown molding all over the house with open spacious kitchen and stainless steel appliances. Please call owner/lv msg at 727-6456. Large 3BR/2BA Excellent Condition, 1st Floor. Only $160.00 Call 637-7165 / 6880887 / 689-7900

Tumon Talofofo Talofofo Homes for Sale: Great starter home on large lot with fruit trees. Outside kitchen and laundry room with metal roof attached to house. Asking $85K. Call LIBBY @ 686-2627

Nice 2 and 3 bedroom condo with panoramic ocean view and city view and waliking distance from the shops and hotels. Please call George 483-9111 Century 21 CR.

Tamuning

Yona

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Closing

Message from the Executive Officer By Peggy Araullo Llagas

What Matters Most?

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“What Matters Most” reminds homeowners, buyers and sellers alike that homeownership remains the foundation of the American Dream. . People aspire to home ownership for the financial and social benefits it conveys. Our government supports home ownership because it’s good for communities, it creates jobs and benefits the nation’s economy.

According to the National Association of REALTORS®, the impact of home ownership on the nation's economy are as follows: • For every two homes sold, one job is created. • Each home purchased pumps up to $60,000 into the economy. • Home ownership accounts for over $2 trillion of the U.S. GDP. The value of a REALTOR® in your home buying process is important because REALTORS® are prepared—to show you options, answer your questions and guide you home. Ask if your agent is a REALTOR®, a member of the Guam Association of REALTORS®.

Guam Association of Realtors®

The Voice for Real Estate on Guam

Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 969100 Office: (671) 477-4271 • Fax: (671) 477-4275 www.guamrealtors.com • email: eo@guamrealtors.com 28 CasaGuam July 2011


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